/* ===== RESET & BASE ===== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --primary:#1a2332;
  --primary-light:#243044;
  --accent:#10b981;
  --accent-dark:#059669;
  --accent-light:#d1fae5;
  --text:#1f2937;
  --text-light:#6b7280;
  --bg:#ffffff;
  --bg-alt:#f9fafb;
  --bg-dark:#f3f4f6;
  --border:#e5e7eb;
  --shadow:0 1px 3px rgba(0,0,0,.1),0 1px 2px rgba(0,0,0,.06);
  --shadow-md:0 4px 6px rgba(0,0,0,.07),0 2px 4px rgba(0,0,0,.06);
  --shadow-lg:0 10px 15px rgba(0,0,0,.1),0 4px 6px rgba(0,0,0,.05);
  --radius:8px;
  --radius-lg:12px;
  --radius-xl:16px;
  --transition:all .3s ease;
  --max-w:1200px;
}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5,h6{font-family:'Poppins',system-ui,sans-serif;font-weight:600;line-height:1.3;color:var(--primary)}
a{color:var(--accent-dark);text-decoration:none;transition:var(--transition)}
a:hover{color:var(--accent)}
img{max-width:100%;display:block}
input,select,button{font-family:inherit;font-size:inherit}

/* ===== UTILITY ===== */
.container{width:100%;max-width:var(--max-w);margin:0 auto;padding:0 20px}
.section{padding:60px 0}
.section-alt{background:var(--bg-alt)}
.text-center{text-align:center}
.text-accent{color:var(--accent)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

/* ===== HEADER ===== */
.header{background:var(--primary);position:sticky;top:0;z-index:1000;box-shadow:0 2px 10px rgba(0,0,0,.2)}
.header .container{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:1.35rem;text-decoration:none}
.logo span{color:var(--accent)}
.logo:hover{color:#fff}
.logo-icon{height:36px;width:auto;vertical-align:middle;margin-right:4px}
.nav{display:flex;align-items:center;gap:6px}
.nav a{color:rgba(255,255,255,.8);padding:8px 14px;border-radius:var(--radius);font-size:.9rem;font-weight:500;transition:var(--transition)}
.nav a:hover,.nav a.active{color:#fff;background:rgba(255,255,255,.1)}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2px;background:#fff;border-radius:2px;transition:var(--transition)}
.mobile-nav{display:none;position:fixed;inset:0;top:70px;background:var(--primary);z-index:999;flex-direction:column;padding:20px;gap:4px;overflow-y:auto}
.mobile-nav.open{display:flex}
.mobile-nav a{color:rgba(255,255,255,.85);padding:14px 16px;border-radius:var(--radius);font-size:1.05rem;font-weight:500}
.mobile-nav a:hover,.mobile-nav a.active{background:rgba(255,255,255,.1);color:#fff}

@media(max-width:768px){
  .nav{display:none}
  .hamburger{display:flex}
}

/* ===== HERO ===== */
.hero{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-light) 50%,#1e3a5f 100%);color:#fff;padding:80px 0 90px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}
.hero h1{font-size:2.8rem;margin-bottom:16px;font-weight:700}
.hero p{font-size:1.2rem;opacity:1;color:rgba(255,255,255,.92);max-width:600px;margin:0 auto 30px}
.hero-buttons{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
@media(max-width:600px){.hero h1{font-size:2rem}.hero p{font-size:1rem}.hero{padding:50px 0 60px}}

/* ===== BUTTONS ===== */
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 28px;border-radius:var(--radius);font-weight:600;font-size:.95rem;cursor:pointer;border:none;transition:var(--transition);text-decoration:none}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-dark);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-md)}
.btn-outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.4)}
.btn-outline:hover{border-color:#fff;color:#fff;transform:translateY(-2px)}
.btn-secondary{background:var(--primary);color:#fff}
.btn-secondary:hover{background:var(--primary-light);color:#fff;transform:translateY(-2px)}
.btn-sm{padding:8px 18px;font-size:.85rem}

/* ===== CARDS ===== */
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:40px}
.card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius-xl);padding:32px 28px;transition:var(--transition);position:relative;overflow:hidden;cursor:pointer}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--accent)}
.card-clickable{display:block;text-decoration:none;color:inherit}
.card-clickable:hover{color:inherit}
.card-icon{width:56px;height:56px;border-radius:var(--radius-lg);background:var(--accent-light);display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:18px}
.card h3{font-size:1.2rem;margin-bottom:10px}
.card p{color:var(--text-light);font-size:.95rem;margin-bottom:18px}
.card-link{color:var(--accent-dark);font-weight:600;font-size:.9rem;display:inline-flex;align-items:center;gap:6px}
.card-link:hover{gap:10px}

/* ===== FEATURES ===== */
.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:30px;margin-top:40px}
.feature{text-align:center;padding:24px}
.feature-icon{font-size:2.2rem;margin-bottom:14px}
.feature h3{font-size:1.05rem;margin-bottom:8px}
.feature p{color:var(--text-light);font-size:.9rem}

/* ===== NEWSLETTER ===== */
.newsletter{background:var(--primary);color:#fff;padding:60px 0;text-align:center}
.newsletter h2{color:#fff;margin-bottom:12px}
.newsletter p{opacity:1;color:rgba(255,255,255,.9);margin-bottom:28px}
.newsletter-form{display:flex;gap:12px;max-width:480px;margin:0 auto;flex-wrap:wrap;justify-content:center}
.newsletter-form input[type="email"]{flex:1;min-width:250px;padding:14px 18px;border:2px solid rgba(255,255,255,.2);border-radius:var(--radius);background:rgba(255,255,255,.1);color:#fff;font-size:1rem}
.newsletter-form input::placeholder{color:rgba(255,255,255,.5)}
.newsletter-form input:focus{outline:none;border-color:var(--accent)}
.newsletter-form button{padding:14px 30px}

/* ===== CALCULATOR PAGES ===== */
.calc-hero{background:linear-gradient(135deg,var(--primary),var(--primary-light));color:#fff;padding:50px 0;text-align:center}
.calc-hero h1{font-size:2.2rem;margin-bottom:10px}
.calc-hero p{opacity:1;color:rgba(255,255,255,.9);font-size:1.05rem}
@media(max-width:600px){.calc-hero h1{font-size:1.6rem}.calc-hero{padding:35px 0}}

.calc-wrapper{display:grid;grid-template-columns:1fr 1fr;gap:30px;margin-top:-40px;position:relative;z-index:1}
@media(max-width:900px){.calc-wrapper{grid-template-columns:1fr}}

.calc-panel{background:var(--bg);border-radius:var(--radius-xl);box-shadow:var(--shadow-lg);padding:32px;border:1px solid var(--border)}
.calc-panel h2{font-size:1.3rem;margin-bottom:24px;padding-bottom:14px;border-bottom:2px solid var(--bg-dark)}

.form-group{margin-bottom:20px}
.form-group label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--primary)}
.form-group .hint{font-size:.8rem;color:var(--text-light);margin-top:4px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:500px){.form-row{grid-template-columns:1fr}}

input[type="text"],input[type="number"],input[type="email"],select{width:100%;padding:12px 14px;border:2px solid var(--border);border-radius:var(--radius);font-size:1rem;transition:var(--transition);background:var(--bg)}
input:focus,select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(16,185,129,.15)}
input.input-lg{font-size:1.3rem;padding:14px 18px;font-weight:600}

/* Toggle Switches */
.toggle-group{display:flex;gap:4px;background:var(--bg-dark);border-radius:var(--radius);padding:4px;margin-bottom:20px}
.toggle-group label{flex:1;text-align:center;padding:10px 12px;border-radius:6px;cursor:pointer;font-size:.85rem;font-weight:600;color:var(--text-light);transition:var(--transition)}
.toggle-group input{display:none}
.toggle-group input:checked+label,.toggle-group label.active{background:var(--primary);color:#fff;box-shadow:var(--shadow)}

/* Checkbox / radio styled */
.check-option{display:flex;align-items:center;gap:10px;padding:10px 0;cursor:pointer;font-size:.95rem}
.check-option input[type="checkbox"],.check-option input[type="radio"]{width:20px;height:20px;accent-color:var(--accent)}

/* Results */
.result-cards{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:24px}
.result-card{background:var(--bg-alt);border-radius:var(--radius);padding:18px;text-align:center;border:1px solid var(--border)}
.result-card.highlight{background:var(--accent-light);border-color:var(--accent)}
.result-card .label{font-size:.8rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.5px;font-weight:600}
.result-card .value{font-size:1.5rem;font-weight:700;color:var(--primary);margin-top:4px;font-family:'Poppins',sans-serif}
.result-card.highlight .value{color:var(--accent-dark)}

.breakdown-table{width:100%;border-collapse:collapse;margin-top:16px;font-size:.9rem}
.breakdown-table th{text-align:left;padding:10px 12px;background:var(--primary);color:#fff;font-weight:600}
.breakdown-table th:last-child,.breakdown-table td:last-child{text-align:right}
.breakdown-table td{padding:10px 12px;border-bottom:1px solid var(--border)}
.breakdown-table tr:last-child td{border-bottom:none;font-weight:700;background:var(--bg-alt)}
.breakdown-table tr:hover td{background:var(--accent-light)}
.breakdown-table tr:last-child:hover td{background:var(--accent-light)}

/* Band bars */
.band-bars{margin-top:20px}
.band-bar{display:flex;align-items:center;gap:12px;margin-bottom:8px;font-size:.85rem}
.band-bar .bar-label{min-width:120px;font-weight:500;text-align:right;color:var(--text-light)}
.band-bar .bar-track{flex:1;height:24px;background:var(--bg-dark);border-radius:4px;overflow:hidden}
.band-bar .bar-fill{height:100%;background:linear-gradient(90deg,var(--accent),var(--accent-dark));border-radius:4px;transition:width .8s ease;min-width:2px}
.band-bar .bar-value{min-width:80px;font-weight:600;color:var(--primary)}

/* Amortization chart */
.amort-chart{display:flex;align-items:flex-end;gap:2px;height:200px;margin:24px 0;padding:0 4px}
.amort-bar{flex:1;display:flex;flex-direction:column;justify-content:flex-end;border-radius:3px 3px 0 0;overflow:hidden;min-width:2px}
.amort-bar .principal{background:var(--accent)}
.amort-bar .interest{background:var(--primary-light)}

/* Pie chart CSS */
.pie-container{display:flex;align-items:center;justify-content:center;gap:30px;flex-wrap:wrap;margin:24px 0}
.pie-chart{width:180px;height:180px;border-radius:50%;position:relative}
.pie-legend{display:flex;flex-direction:column;gap:10px}
.pie-legend-item{display:flex;align-items:center;gap:10px;font-size:.9rem}
.pie-legend-item .dot{width:14px;height:14px;border-radius:4px;flex-shrink:0}

/* SEO Content */
.seo-content{padding:60px 0}
.seo-content h2{font-size:1.6rem;margin-bottom:16px;margin-top:36px}
.seo-content h2:first-child{margin-top:0}
.seo-content h3{font-size:1.2rem;margin-bottom:10px;margin-top:24px}
.seo-content p{margin-bottom:14px;color:var(--text);line-height:1.75}
.seo-content ul,.seo-content ol{margin:14px 0;padding-left:28px}
.seo-content li{margin-bottom:8px;line-height:1.7}
.seo-content a{text-decoration:underline}

/* About / Legal Pages */
.page-content{padding:60px 0;max-width:800px;margin:0 auto}
.page-content h1{font-size:2rem;margin-bottom:24px}
.page-content h2{font-size:1.4rem;margin-top:32px;margin-bottom:12px}
.page-content h3{margin-top:24px;margin-bottom:8px}
.page-content p{margin-bottom:14px;line-height:1.75}
.page-content ul,.page-content ol{margin:12px 0;padding-left:28px}
.page-content li{margin-bottom:6px;line-height:1.7}

/* ===== FOOTER ===== */
.footer{background:var(--primary);color:rgba(255,255,255,.7);padding:50px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}
@media(max-width:768px){.footer-grid{grid-template-columns:1fr 1fr;gap:24px}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}
.footer h4{color:#fff;font-family:'Poppins',sans-serif;font-size:1rem;margin-bottom:16px}
.footer p{font-size:.9rem;line-height:1.7}
.footer a{color:rgba(255,255,255,.7);font-size:.9rem;display:block;padding:4px 0;transition:var(--transition)}
.footer a:hover{color:var(--accent)}
.footer-bottom{margin-top:40px;padding:20px 0;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:.85rem}

/* Disclaimer bar */
.disclaimer{background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius);padding:16px 20px;margin-top:24px;font-size:.85rem;color:var(--text-light);line-height:1.7}

/* ===== ANIMATIONS ===== */
.fade-in{opacity:0;transform:translateY(20px);transition:opacity .6s ease,transform .6s ease}
.fade-in.visible{opacity:1;transform:translateY(0)}

/* ===== PRINT ===== */
@media print{
  .header,.footer,.newsletter,.hero,.calc-hero,.nav,.hamburger,.mobile-nav,.btn,.seo-content{display:none!important}
  .calc-wrapper{grid-template-columns:1fr!important;margin-top:0!important}
  .calc-panel{box-shadow:none!important;border:1px solid #ccc!important}
  body{font-size:12pt;color:#000}
}